A stem-loop is a specific structural motif in RNA characterized by a double-stranded 'stem' formed by complementary base pairing, followed by a single-stranded 'loop' where the sequence is unpaired. This structure plays a critical role in RNA stability and function, influencing processes like transcription termination, ribosome binding, and RNA splicing. Stem-loops are common in various RNA types, including mRNA, tRNA, and rRNA.